Do you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit mortgage? You may find it easier to join, or move up the property ladder, thanks to the government-backed Help to Buy scheme.

There are several schemes currently:

Shared Ownership
This is available to first time buyers unable to afford the full 100% mortgage on a home. It works by allowing them to buy a share of the home (between 25% and 75%), and then pay rent on the remaining share. An option to buy furt...

Congratulations you’ve made Partner!

You’ve reached the level that most solicitors strive for when they start out on their career journey but what does that mean for your personal finances and what should you do about it?

When you become a partner, your employment status will most likely change from employed to self-employed and this can have a number of implications which you need to consider.

1.    Profit sharing
If you are joining as a fixed share or salaried partner, as opposed to an equity partner, this means you will normally be enti...

Whether you're buying your first home, becoming a parent for the first time, investing for the future, or about to retire, a carefully thought-through financial plan can make a positive difference.

Download our guide which explores how we can help you whatever stage in life you're at »

We all know raising a child can be expensive. Research has shown, the cost of raising a child to age 18 in the UK varies dependant on whether it’s a girl or boy, with boys coming in at £79,176 and girls a staggering £108,884.

As a parent you are committed to doing all you can for your children – now and for their future but it’s estimated half of parents don’t have a financial protection plan in place­.

Nobody wants to think about the possibility of getting ill or being made redundant but having a contingency plan, such as life insurance o...

If you’re aged over 55 and looking to take your pension benefits, you now have far greater
choice thanks to the government’s pension reforms.

Previously, many people would have to buy an annuity with their pension to receive an income. Now however, there are a number of ways to get a regular income.

The importance of advice

With greater choice comes increased complexity, so it’s important to take advice – especially with something as important as your pension.

TALK TO US ABOUT THE CHOICES AVAILABLE AND WHAT’S BEST FOR YOU.

Plant your tree today. Talk to us ubout pensions, investments, and protection for you, your family and your home.

11th April 2019

Relevant Life Plan

Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer.

What is a Relevant Life Plan?

A Relevant Life Plan is an individual ‘death in service’ life policy that is affected by an employer on the life of an employee and is funded by the employer. It is a term assurance plan designed to pay a lump sum benefit if the employee covered dies or is diagnosed with a terminal illness during their emp...

Have you thought about how your cash flow could be affected if something were to happen to a director, owner or key employee?

How would your creditors react?
It may be that one of your company directors stands as the guarantor for your company’s loans. If they were to die, or be diagnosed with a serious illness, it could have a severe impact on your business’s arrangements with its creditors and debtors.

Do you know how they would react? If business loans were called in, could your company afford to pay back its creditors and continue tradi...

You’ve decided to take the plunge and get onto the property ladder, having swapped fun and frivolity for fastidious frugalness to save the deposit. But what can you do to boost your chances of getting your first mortgage?

Check and correct

The three main credit reference agencies, Equifax, Experian and Callcredit, will all use data to score you differently. Lenders will use one or more of these agencies to decide whether to offer you credit.

The general rule is, the higher your credit score the better, so if after checking you feel your s...